Barnaamijyada lacag-bixinta moobilka^{(Mobile payment apps)} ayaa si isa soo taraysa caan u ah maanta sababtoo ah way ka fudud yihiin isticmaalka oo way ka ammaan badan yihiin inay ku qaataan kaadhadhka lacagta jirka ah iyo boorsada jeebka.

Markaad ku kaydiso dhammaan kaadhadhka abaal-marinta, kuubannada, credit-ka iyo kaadhadhka debit-ka ee app-ka, wax-iibsashadu waa hab fudud oo taabasho iyo lacag bixin ah, markaa uma baahnid inaad qodo boorsadaada wakhti kasta.

Laba ka mid ah barnaamijyada ugu caansan waa Apple Wallet iyo Google Pay (oo hore u ahaan jiray Android Pay ), labaduba waxay ku shaqeeyaan taleefannada casriga ah ee cusub. Waxay u shaqeeyaan ku dhawaad ​​isku shaqo, inkastoo ay ku kala duwan yihiin xooggooda iyo meelaha ay ku liitaan. Laakin appkee Pay Pay^(Pay) waa inaad isticmaashaa?

Waxaynu eegi doonaa labada jeebka gacanta ee is garab socda si aan u ogaano sida ay u shaqeeyaan, iyo midka adiga kuu fiican.

Apple Wallet

Apple Wallet waxa ay siisaa adeeg lacag-bixineed elegtaroonig ah oo si fudud loo isticmaali karo, gaar ah oo aamin ah isticmaalayaasha iPhone, iPad, Mac ama Apple Watch . Marka aad ku darto credit, debit ama kaadhadhka prepaid abka abka qalabka aad doorbidayso ee iOS, waxaad isla markiiba bilaabi kartaa isticmaalkiisa.

App-ku wuxuu leeyahay tafaariiqda tafaariiqda mahadda tignoolajiyada PayPass^{(PayPass technology)} , si aad u kaydiso kaararka daacadnimada iyo xitaa dhibcaha daacadnimada, abaalmarinnada iyo faa'iidooyinka markaad isticmaasho.

Dukaanka dhexdiisa, waxaad wax ka iibsan kartaa baayacmushtarka leh nidaamyada POS ee ku habboon ama akhristayaasha kaadhka hubinta adiga oo si degdeg ah u riixaya badhanka dhinaca ee saacaddaada ama sawirka farahaaga kaydsan. Sidan uma baahnid inaad geliso lambarka amniga ee kaadhkaaga ama aad xaqiijiso taariikhda uu dhacayo sababtoo ah dhammaan macluumaadkaagu waxay saaran yihiin qalabkaaga. 

Markaad wax iibsanayso, wax kala iibsi kastaa wuxuu u baahan yahay in lagu xaqiijiyo lambarkaaga aqoonsiga, Aqoonsiga Wajiga^{(Face ID)} ama Aqoonsiga taabashada^{(Touch ID)} dhammaan aaladaha iOS marka laga reebo Apple Watch , kaas oo lagu ilaaliyo lambarka sirta ah ee gaarka ah. Macluumaadka wax kala iibsiga meelna laguma kaydiyo, laakiin rasiidhadaada waxa lagu hayaa abka. Waxaa dheer, haddii qalabkaaga la xado ama lumo, waxaad joojin kartaa ama ka saari kartaa awoodda aad ku bixin karto si joogto ah.

Waxaad sidoo kale diri kartaa ama ku heli kartaa lacag^{(send or receive money)} adoo isticmaalaya Apple Pay adoo isticmaalaya fariimaha, ama waxaad waydiisan kartaa Siri inuu qof ka bixiyo kaadhka deynta ama kaararka deynta ee ku kaydsan app-ka. Haddii aad rabto inaad isticmaasho lacag kasta oo aad isla markiiba hesho, waxaad ka heli doontaa kaadhka Apple Pay Cash ee ^{(Apple Pay Cash)}jeebka^(Wallet) . Waxa kale oo aad lacag ugu rari kartaa akoonkaaga bangiga kaadhka Apple Pay Cash .

Wallet waxaa laga aqbalaa meelo kala duwan oo^{( different places)} ay ku jiraan BabiesRUs , KFC , Starbucks , PetSmart , JetBlue , Champs , Ace Hardware , nidaamka gaadiidka dadweynaha , iyo apps iyo goobaha sida Chipotle , Lyft , Jet , Etsy , Staples , iyo Ticketmaster .

Haddii aad jeceshahay inaad wax bixiso, waxaad isticmaali kartaa app-ka si aad ugu deeqdo Laanqayrta Cas ee Maraykanka^{(American Red Cross)} , Unicef , Quudinta Ameerika^{(Feeding America)} iyo kuwa kale. 

Google Pay

Google Pay ama, si aan rasmi ahayn, GPay , waa jeebka gacanta ee Google , kaas oo ku daray alaabteeda lacag bixinta macaamiisha - Google Wallet iyo Android Pay - hal adeeg, midaysan. Tani waxay u sahlaysaa isticmaalayaasha inay ku daraan inta badan kaadhadhkooda sida daacadnimada, hadyada, credit card iyo debit cards si ay u sahlanaato lacag bixinta iyo hubin degdeg ah oo maskaxeed.

Haddii aad haysato qalab ku habboon, waxaad arki doontaa Google Pay gudaha dukaanka, markaad lacag bixinayso ama direyso, onlayn iyo dhammaan alaabada Google -ka.^(Google)

App-ku wuxuu isticmaalaa meel u dhow tignoolajiyada NFC^{(NFC technology)} ee dukaanka si uu ugu gudbiyo macluumaadka kaadhka deynta inta u dhaxaysa akhriyaha kaadhka ganacsadaha iyo taleefankaaga gacanta. Kaliya^(Simply) hay taleefankaaga inta uu u furan yahay akhriyaha kaadhka, macaamilkuna waa inuu si fudud u dhacaa.

Haddii aad kaydisay daacadnimada ama kaadhadhka hadiyadaha, credit card iyo debit cards Google Wallet ama Android Pay , waxaad u isticmaali kartaa sidii caadiga ahayd adiga oo aan dib ugu darin Google Pay . Xitaa uma baahnid inaad ku darto app kale si aad u isticmaasho. Waxa kaliya ee ay qabato waa in si toos ah loo cusboonaysiiyo qalabkaaga si uu u muujiyo magaca abka.

Inta badan isticmaalayaasha abka lacag-bixinta moobaylka, nabadgelyadu^(security) had iyo jeer waa welwelka ugu sarreeya taas oo ay ugu wacan tahay nooca macluumaadka maaliyadeed ee lagu wadaago abka. Google Pay waxa ay u maamushaa tan iyada oo adeegsanaysa lambarka koontada macmalka ah ee ku ilaalinaya macluumaadkaaga shakhsiyeed ammaan iyo ammaan talefankaaga, halkii aad isticmaali lahayd lambarkaaga deynta ee dhabta ah iyo faahfaahinta kale ee xasaasiga ah. 

Markaad wax iibsanayso, Google waxay kuu soo diri kood ammaan si loo xaqiijiyo wax kala iibsiga. Si ka duwan Apple Wallet , GPay uma baahna xaqiijinta faraha ilaa aad rabto inaad furto shaashadda, laakiin waxay ku shaqeysaa PIN , erayga sirta ah, ama qaabka. Haddii aad lumiso taleefankaaga ama lagaa xado, waad xidhi kartaa oo aad samaysan kartaa furaha sirta ah, ama tirtir dhammaan macluumaadka ku jira gabi ahaanba ilaa aad ka soo ceshato.

Haddii aad rabto oo dhan waa inaad lacag u dirto qoyska iyo asxaabta^{(family and friends)} , in kastoo, waxaad isku dayi kartaa Google Pay Send , kaas oo si gaar ah loogu talagalay macaamilada asaaga ah.

^{(Google Pay)}Google Pay waxay la shaqeysaa barnaamijyo badan oo shirkado ecommerce ah oo ay ku jiraan Best Buy , Airbnb , McDonald's, Chevron , Walgreens , Cuntooyinka Dhan^{(Whole Foods)} , Houzz , Kayak , Instacart , iyo meelo kale oo badan. Liiska^{(The list)} ayaa sii kordhaya. 

Keebaa ugu Wanaagsan^(Best) - Apple Wallet ama Google Pay^{(Apple Wallet Or Google Pay)} ?

Xulashada u dhaxaysa Apple Wallet iyo Google Pay waa inaanay noqon go'aan gacan-ku-dhac ah. Sida laga yaabo inaad horeba uga shakisan tahay iyadoo lagu saleynayo magacyada abka, Apple Wallet wuxuu la shaqeeyaa iPhones halka Google Pay loo sameeyay taleefannada Android .

Labada barnaamij ee lacag-bixinta waxay ku siinayaan xulashooyin aad ku xaqiijin karto lacag-bixinta hababka furitaanka taleefankaaga caadiga ah. Wixii Apple Wallet , waxaad isticmaali kartaa lambarka sirta ah, faraha, aqoonsiga wajiga^{(Face ID)} ama aqoonsiga taabashada^{(Touch ID)} , halka Google Pay uu shaqeeyo marka taleefankaaga lagu furo furaha sirta ah, qaabka, PIN ama faraha.

Waxa Apple Pay ka soocaya waa in ay taageerto wax iibsiga onlaynka ah iyada oo loo marayo browserka Safari , halka Google Pay uu ku daro adeegyada kale ee Google si aad ula macaamilato Gmail , fariimaha Android, Google Home , iyo adeegyo kale. Haddii aad leedahay qalab Samsung ah, in kastoo, waxaad yeelan doontaa ikhtiyaarka ah isticmaalka Samsung Pay ama Google Pay , mid ka mid ah kuwaas oo u baahan in loo dhigo sida caadiga ah app Pay .

Sidaa darteed, doorashadaadu waxay ku xirnaan doontaa gebi ahaanba qalabka aad leedahay, markaas oo aad u isticmaali karto ikhtiyaarka lacag bixinta si ku habboonaansho dheeraad ah.^(Pay)

Apple Wallet Versus Google Pay – Which Is Best?

Mobile payment apps are increasingly popular today because they’re simpler to use and more secure than carrying physical cash and cards around in a wallet.

Once you store all your reward cards, coupons, credit and debit cards in the app, making purchases is a simple tap and pay process, so you don’t have to dig for your wallet every time.

Two of the most well-known apps are Apple Wallet and Google Pay (formerly Android Pay), both of which work with newer smartphones. They serve virtually the same function, though they differ slightly in their strengths and weaknesses. But which Pay app should you use?

We’re going to look at the two mobile wallets side by side to find out how they work, and which one is best for you.

Apple Wallet

Apple Wallet offers an easy to use, private and secure electronic payment service to users of iPhone, iPad, Mac or Apple Watch. Once you add your credit, debit or prepaid cards to the app on your preferred iOS device, you can start using it immediately.

The app has retail compatibility thanks to the PayPass technology, so you can store loyalty cards and even accrue loyalty points, rewards and benefits as you use it.

In-store, you can pay for purchases at merchants with compatible POS systems or checkout card readers with just a quick press of the side button on your watch or your stored fingerprint. This way you don’t have to enter the security code on your card or verify its expiration date because all your information is on your device. 

When you make purchases, each transaction requires authentication with your passcode, Face ID or Touch ID for all iOS devices except the Apple Watch, which is protected by its unique passcode. The transaction information isn’t stored anywhere, but your receipts are kept in the app. Plus, if your device is stolen or lost, you can suspend or remove the ability to pay from it permanently.

You can also send or receive money using Apple Pay through Messages, or you can ask Siri to pay someone from your debit or credit cards stored in the app. If you want to use any money you receive right away, you’ll find it in the Apple Pay Cash card in Wallet. You can also move money to your bank account from the Apple Pay Cash card.

Wallet is accepted in different places including BabiesRUs, KFC, Starbucks, PetSmart, JetBlue, Champs, Ace Hardware, mass transit systems, and with apps and sites like Chipotle, Lyft, Jet, Etsy, Staples, and Ticketmaster.

If you like to give to charity, you can use the app to donate to American Red Cross, Unicef, Feeding America and others. 

Google Pay

Google Pay or, informally, GPay, is a mobile wallet from Google, which merged its consumer payment products – Google Wallet and Android Pay – into a single, unified service.  This makes it easier for users to add most of their cards like loyalty, gift, credit and debit cards for easier payments and faster checkout with peace of mind.

If you have a compatible device, you’ll see Google Pay in-store, when paying or sending money, online and across Google products.

The app uses near NFC technology in-store to relay your credit card information between the merchant’s card reader and your mobile phone. Simply hold your phone while it’s open to the card reader, and the transaction should go through easily.

If you had stored loyalty or gift cards, credit and debit cards to your Google Wallet or Android Pay apps, you can use them as usual without having to re-add them to Google Pay. You won’t even need to add another app to use it. All it does is update your device automatically to reflect the name in the app.

For most users of mobile payment apps, security is always a top concern owing to the nature of the financial information shared in the app. Google Pay manages this using a virtual account number that keeps your personal information safe and secure on your phone, instead of using your actual credit card number and other sensitive details. 

When making purchases, Google sends you a security code to verify the transaction. Unlike Apple Wallet, GPay doesn’t require fingerprint authentication unless you want to unlock the screen, but works with a PIN, password, or pattern. If you lose your phone or it gets stolen, you can lock it and create a new password, or wipe all the information on it completely until you recover it.

If all you want is to send money to family and friends, though, you can try Google Pay Send, which is specifically for peer-to-peer transactions.

Google Pay works with several ecommerce companies’ Android apps including Best Buy, Airbnb, McDonald’s, Chevron, Walgreens, Whole Foods, Houzz, Kayak, Instacart, among several other locations. The list is growing. 

Which Is Best – Apple Wallet Or Google Pay?

Picking between Apple Wallet and Google Pay shouldn’t be a hand-wringing decision. As you may already suspect based on the apps’ names, Apple Wallet works with iPhones while Google Pay is made for Android phones.

Both pay apps give you options to authenticate payments from your normal phone unlocking methods. For Apple Wallet, you can use a passcode, fingerprint, Face ID or Touch ID, while Google Pay works when your phone is unlocked with a password, pattern, PIN or fingerprint.

What sets Apple Pay apart is that it supports online purchases through the Safari browser, while Google Pay integrates with other Google services so you can transact in Gmail, Android Messages, Google Home, and other services. If you own a Samsung device, though, you’ll have the option of using Samsung Pay or Google Pay, one of which needs to be set as your default Pay app.

Your choice therefore, will depend entirely on the device you own, in which case you can use the Pay option as an added convenience.

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